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Company Analysis

Capital Bancorp, Inc. CBNK

A comprehensive view of key metrics, scores, and financial health for Capital Bancorp, Inc.

Overview of Capital Bancorp, Inc.

CBNK NMS
Financial Services Banks - Regional Small Cap
Capital Bancorp, Inc. (CBNK), is a Small Cap company, in the Banks - Regional industry, last closed at $28.75, about 13.8% overvalued vs fair value, +1.0% 1Y return, ranked 661/1004 in sector.
$28.75
-0.17%
As of March 13, 2026
Previous close • Vol 90d: 24.5%
52-Week Range
Market Cap
$474.97M
Enterprise Value
$496.14M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://capitalbankmd.com
HQ Rockville, MD
Fiscal year Dec 31

Next Events

Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$25
$46
Current: $28.75 -14% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$213.3M
16.4%%
Interest Expense
$64.9M
Net Interest Income
$154.7M
9.3%%
Total Revenue
$303.6M
65.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.7%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$6.7M
21.5% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Capital Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
40
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CBNK's balance between Growth (34.7%), Profitability (30.9%), and Safety (34.4%). Growth 35% Safety 34% Profitability 31%

Click axes to expand details. Marker shows current allocation.

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Growth

67th percentile vs peers
67
Key Signals
Asset Growth YoY 12.4% 83p Rev Growth YoY 65.3% 59p Revenue CAGR 3Y 21.3% 60p
Strengths
  • Asset Growth Yoy in top 20% of peers (12.4%, 83th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

59th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
67
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Capital Bancorp, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
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Base
$24.78
- - -
-13.8% vs current
Snapshot base estimate
Bull
-
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- upside
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Fair Value Range Current: $-
$- $- $-
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